Renters Insurance

It
is a common misconception that if something were to happen to your
rental property, such as theft or fire, your landlord's coverage on the
home or apartment would cover your losses. This is not the case,
however, and that is why it is important to consider a renters policy.
One that includes replacement cost coverage on lost items, giving you
their value when new, is usually the best way to go. Some rental
policies even cover food loss from electrical outages in the case of a
natural disaster.